Henderson Insurance Rates:

Henderson, TN home insurance is nearly $671 to $915, about $55-$76/month. Our complete research indicates shoppers can save as much as $317 by comparing multiple quotes

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Henderson Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $310/7 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $100,000

3 Beds, 3 Bath 1530 sqft Rental Property Constructed In 1977 with Carpet Flooring, Metal Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Fire Extinguisher, Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Single Male who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $550/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Bath 2170 sqft Primary Residence Constructed In 1960 with Hardwood Flooring, Metal Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Divorced Male who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

Home Insurance Rate of $540/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $225,000

4 Beds, 4 Bath 3050 sqft Rental Property Constructed In 1954 with Hardwood Flooring, Slate Shingles Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Deadbolt Locks, Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Divorced Male who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $600/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Bath 2100 sqft Primary Residence Constructed In 1973 with Ceramic Tile Flooring, Composition Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Single Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $370/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

5 Beds, 5 Baths 2300 sqft Primary Residence Constructed In 1989 with Linoleum, Shingles Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Married Female who is Retired and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $540/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Baths 2080 sqft Primary Residence Constructed In 1995 with Carpet Flooring, Membrane Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Fire Extinguisher, Swimming Pool, Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Single Male who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $250/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

5 Beds, 5 Baths 2980 sqft Seasonal Residence Constructed In 1998 with Wood Flooring, Metal Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $290/9 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

3 Beds, 3 Bath 1310 sqft Rental Property Constructed In 1989 with Carpet Flooring, Tile Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Fireplace, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

Home Insurance Rate of $590/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

4 Beds, 4 Baths 1650 sqft Primary Residence Constructed In 1976 with Carpet Flooring, Membrane Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Central Air Conditioning, Smoke Alarm, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Divorced Male who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $790/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Baths 2100 sqft Seasonal Residence Constructed In 1975 with Carpet over wood flooring, Slate Shingles Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Fire Extinguisher, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Divorced Male who has a Full Time Job with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $210/5 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $135,000

4 Beds, 4 Baths 1710 sqft Primary Residence Constructed In 1998 with Wood Flooring, Slate Shingles Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

74 Years old Divorced Female who is Retired and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Henderson, TN Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
38340 $108,700 $800

Henderson Rates & Quotes Analysis:

Henderson Area Estimated House Insurance
Iris St, Flowers Rd, State Rte 200, Old Sobby Rd, Woodland Dr, Hopper Ln, Hatch Ln, Cherry Dr, Deerfield Loop, Lewis Ave$799
Oneal Ln, S Franklin Ave, Coon Rod Ln, Old Friendship Ln, Jeff Rd, Deanburg Rd, Barham Ave, Macy Ln, Mitchell Ln, Old Jacks Creek Rd$792
State Rte 5, Eaton Ln, Kitchen Dr, Hughes Acc, Hurst Rd, K Deberry Ln, Hughes Rd, Pleasant Ridge Rd, Laurel Hill Acc, Wesley Cv$796
North Ave, Bear Creek Rd, Maple Wood Ln, Hamlet Ave, State Rte 100 W, Parker Loop, Weeks Ln, Hickory Corner Rd, Deerfield Cv, S Church Ave$789
Barclay Loop, W 3rd St, Plunk St, Old Friendship Rd, State Rte 5, Harmon St, Courtney Cove, US Hwy 45, US Hwy 45 N, Lake Levee Rd$791

Insurance rates are influenced by a number of factors including:

  • Year Built: 479 Homes (22% of total homes ) built between 1970 to 1979 in Henderson are paying home insurance between $1,286-$1,298. Places close to Henderson, TN such as Three Way, Medina, Corinth(MS) are more expensive by $37, $40, $219 respectively while Finger and Silerton are cheaper by $21 and $50 respectively for similar homes.
  • Bedrooms: 352 4 bedrooms homes (16% of total homes ) in Henderson are paying about $1,054 compared to Chester County (+$9), Enville (+$8), Madison County (+$12), Finger (-$9) and Bethel Springs (-$21).
  • Auto Insurance Bundling: 431 Households (43% of all households) in Henderson have 2 vehicles available and when it is bundled with home insurance you can save $158 and differs from Chester County ($158), Finger ($156), Silerton ($152).
  • Senior Discounts: 479 seniors (more than 55 years) occupied housing units (48% of total) in Henderson get discounts between $118 to $121 and varies from Chester County ($119), Finger ($117), Silerton ($114).
  • New Homes discounts: New homes such as the 613 homes built between 2000 to 2009 in Henderson can save $158 and varies from Chester County ($158), Finger ($156), Silerton ($152).

Henderson Homeowners insurance Facts

  • Henderson, TN has 994 owner occupied houses which is 52.8% of all units whereas Chester County, Finger and Silerton have 73.57%, 80.53% and 88.31% respectively.
  • Henderson, TN homeowners yearly insurance price at $793 is 0.74% of the typical house value of $106,600 which is in contrast with 0.74% in Chester County, 0.97% at Finger & 1.67% in Silerton.
  • Homeowners in Henderson, TN pay 1.17% of their income ($60,000 to $74,999) in insurance whereas homeowners in Chester County, Finger and Silerton pay 1.18%, 1.16% and 1.13% respectively.
  • Henderson, TN’s insurance is 6.7% of monthly housing costs of $994/month, for owners with a mortgage compared to 6.42% in Chester County, 9.29% at Finger & 13.86% in Silerton. But, for households without a mortgage, insurance is 22.5% of costs ($294 in Henderson, TN) in contrast with 22.43% in Chester County, 20.57% at Finger & 27.25% in Silerton.

Henderson, TN Home Values & Insurance rates

For example, insurance for 75 Homes (7.0% of total homes ) valued between $60,000 to $69,999 in Henderson, TN is about $475. Rates in nearby areas in such as Madison County, Jackson, Lexington are cheaper by $22, $22, $37 respectively while Chester County and Finger are costlier by $1 and $149 respectively for similar homes.

Henderson, TN Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 104 10.0% $182
$50,000 to $59,999 50 5.0% $388
$60,000 to $69,999 75 7.0% $475
$70,000 to $79,999 54 5.0% $555
$80,000 to $89,999 79 8.0% $626
$90,000 to $99,999 68 6.0% $705
$100,000 to $124,999 255 26.0% $816
$125,000 to $149,999 32 3.0% $1015
$150,000 to $174,999 99 10.0% $1205
$175,000 to $199,999 47 4.0% $1387
$200,000 to $249,999 39 4.0% $1673
$250,000 to $299,999 64 6.0% $2045

Renters Insurance in Henderson

  • Average Renters Insurance in Henderson :  $251($20/month)

  • Median Gross Rent in Henderson :  $617

  • Henderson Renters Insurance to Median Rent Ratio:  3.24%

  • Renter occupied housing units in Henderson :  887

Henderson Renters Insurance as a Percentage of Rent

Henderson Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 8 1.0% $362
$200 to $299 40 5.0% $812
$300 to $499 158 19.0% $1262
$500 to $749 367 46.0% $1937
$750 to $999 147 18.0% $2687
$1,000 to $1,499 66 8.0% $3812
$1,500 or more 8 1.0% $5462

Rent Affordability in Henderson:

Approximately 43.0% (389) of households are spending more than 35% of their income on gross rent in Henderson

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 126 14.0%
15.0 to 19.9 percent 134 15.0%
20.0 to 24.9 percent 75 8.0%
25.0 to 29.9 percent 125 14.0%
30.0 to 34.9 percent 38 4.0%
35.0 percent or more 389 43.0%

Henderson Renters Insurance Discounts:

Henderson Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Henderson, TN Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 419 47.0% $25.1
2 vehicles available 241 27.0% $37.65
3 or more vehicles available 85 9.0% $50.2

Protective device discount in Henderson Up to :  $37

Claims-free discount in Henderson Up to :  $50